Business · B
Work accident insurance (AT)
Your employees' physical integrity is your responsibility.
Law 18-01 requires every employer to take out work accident insurance. Cover: medical, pharmaceutical, appliance and prosthesis costs; funeral costs for a fatal accident; daily allowance of two-thirds of daily pay; capital if permanent incapacity is below 10%; annual lifetime annuity at or above 10%; annuity for dependants. Quote-based pricing.
Employers — legal obligation for every employer (law 18-01).
01 — At a glance
Work accident insurance protects workers against accidents occurring while they perform their work. It covers accidents employees suffer by reason of or in the course of work, as well as those related to the journey to or from work. In some sectors (chemicals, mining, construction), extending cover to occupational diseases is recommended.
Must you subscribe?
Law 18-01 requires every employer to take out work accident insurance: medical, pharmaceutical, appliance and prosthesis costs; reimbursement of funeral costs for a fatal accident; daily allowance to the victim (two-thirds of daily pay); capital if permanent incapacity is below 10%; annual lifetime annuity if 10% or above; annuity for dependants (widow, orphans, dependant ascendants).
02 — Regulatory framework
Legal obligation for every employer (law 18-01)
La loi 18-01 fixe pour tous les employeurs l'obligation de souscrire un contrat Accidents de travail.
03 — Key points
- Medical and pharmaceutical costs
- Appliances and prosthetics
- Funeral costs (fatal AT)
- Daily allowance (2/3)
- Capital if incapacity < 10%
- Lifetime annuity if incapacity ≥ 10%
- Annuity for dependants
Same family